Refer your friends and win up to ₦10,000 Naira
₦10,000 Naira
T&C apply • Limited winners
Your trusted payment
companion
Pay and move money on the Go
Controlled by you, secured by us
Self-custody. We never have access.
Join CloovaPay Rewards
Turn your everyday payments into valuable rewards.
₦100,000 Naira up for grabs!
₦100,000
Pay bill up to ₦100,000 Naira to stand a chance
Your daily check-in, your daily reward
Up to ₦200,000
T&C apply • Limited winners
Earn $100 on your first giftcard transaction up to $1,000!
+$100
10% treat • Limited time
Make CloovaPay
your daily wallet
Designed for your daily rhythm—CloovaPay keeps every payment simple, secure, and ready whenever you are.
Smarter protection on every tap
Your payments stay secure, no matter where you go.
Your money and cards, perfectly organized
Designed to help you manage, track, and spend effortlessly.
All your essentials in one smart wallet
A simple, unified wallet built for daily use.
Loved by thousands
Real people. Real payments. Real results.
AO
Adaeze Okonkwo
@adaeze_pays
“CloovaPay has completely changed how I manage my money. Sending and receiving payments is instant, and I feel so much more in control of my finances.”
EB
Emeka Bright
@emeka_b
“The virtual card feature is incredible. I use it for all my online shopping and never worry about security. The app is clean and super easy to use.”
FA
Fatima Aliyu
@fatima.saves
“I referred three friends and got rewarded instantly. The referral program actually works! Plus the real-time alerts keep me on top of every transaction.”
CN
Chukwudi Nwosu
@chukwudi_n
“Best fintech app I've used so far. Bill payments are smooth, the wallet is organized, and customer support is always responsive. Highly recommend.”
TB
Taiwo Badmus
@taiwo_pays
“I love how everything is in one place. My cards, bills, transfers — all organized and accessible. CloovaPay is the only wallet I use daily.”
NE
Ngozi Eze
@ngozi.eze
“Super fast transactions and the security features give me so much peace of mind. I especially love the instant alerts every time money moves.”
AO
Adaeze Okonkwo
@adaeze_pays
“CloovaPay has completely changed how I manage my money. Sending and receiving payments is instant, and I feel so much more in control of my finances.”
EB
Emeka Bright
@emeka_b
“The virtual card feature is incredible. I use it for all my online shopping and never worry about security. The app is clean and super easy to use.”
FA
Fatima Aliyu
@fatima.saves
“I referred three friends and got rewarded instantly. The referral program actually works! Plus the real-time alerts keep me on top of every transaction.”
CN
Chukwudi Nwosu
@chukwudi_n
“Best fintech app I've used so far. Bill payments are smooth, the wallet is organized, and customer support is always responsive. Highly recommend.”
TB
Taiwo Badmus
@taiwo_pays
“I love how everything is in one place. My cards, bills, transfers — all organized and accessible. CloovaPay is the only wallet I use daily.”
NE
Ngozi Eze
@ngozi.eze
“Super fast transactions and the security features give me so much peace of mind. I especially love the instant alerts every time money moves.”
Available on iOS & Android
Start your financial journey with
today!Take control of your finances — send, receive, pay bills, and manage your money all in one place.
CloovaPay FAQ
What is CloovaPay all about?
CloovaPay is your all-in-one digital wallet built for everyday payments, secure storage, and seamless management of your money and cards.
Is CloovaPay safe to use?
Yes. CloovaPay uses encrypted storage, multi-layer authentication, fraud protection, and real-time alerts to keep your money safe.
What can I store in CloovaPay?
You can store money, saved cards, bills, transfers, and payment methods—all organized in one clean home.
What can I do with CloovaPay?
Send and receive money, manage cards, pay bills, fund your wallet, and make secure daily transactions with ease.
How does CloovaPay protect my transactions?
Every tap is backed by intelligent fraud monitoring, instant alerts, data encryption, and identity verification.
Can I use CloovaPay for everyday payments?
Absolutely. CloovaPay is built as your daily wallet—fast, reliable, and always ready for your routine.
Where can I download CloovaPay?
CloovaPay is available free on the Apple App Store for iPhone and on Google Play for Android. Search “CloovaPay” in either store, or tap any download button on this page.
Why choose CloovaPay?
Clean design, powerful security, fast payments, and a wallet built to keep your money organized and protected—every day.